Retail margins are tight. Don't lose them to opaque processing fees.
A specialty retailer with $400K/year in card volume on tiered pricing typically pays $4,000-$8,000 in markup that interchange-plus pricing would eliminate. Reyna Pay handles retail operations with transparent pricing the giants don't offer.
Tiered pricing is silently bleeding your retail margin.
Most retail processors pad their margin invisibly through tiered pricing buckets you can't audit. Card-not-present, AmEx, and rewards-card transactions all get bumped to 'non-qualified' rates regardless of their actual interchange cost. The result: your effective rate is 0.4-0.8% higher than it needs to be on every single transaction.
- →Your statement says '2.45%' but your effective rate is actually 3.10% because most transactions land in non-qualified buckets.
- →Inventory across multiple locations gets reconciled by hand because your POS can't sync transfers.
- →Gift card balances live in spreadsheets that get out of date the day you create them.
- →Loyalty programs require a third-party app, more friction, less customer adoption.
What changes when retail runs on transparent pricing.
Real numbers from specialty retail businesses on Reyna Pay's platform.
Retail margins are tight. Don't lose them to opaque processing fees.
A specialty retailer with $400K/year in card volume on tiered pricing typically pays $4,000-$8,000 in markup that interchange-plus pricing would eliminate. We pass that math through transparently, with retail-specific operational features built in.
Features built for retail stores.
Real-time inventory tracking by SKU
Real-time inventory by SKU, with low-stock alerts and reorder points. Sales decrement inventory automatically. No more end-of-day stock counts revealing the system was wrong.
Multi-location reporting with separate MIDs
Multiple stores under one brand? See each store's revenue, inventory, and team separately, with rolled-up reporting at the group level. Compare comparable-store performance to spot underperformers.
Gift card support across locations
Sell gift cards, track outstanding balance liability for accounting, redeem at any location. Multi-location gift card support included by default, no separate gift card vendor needed.
Built-in loyalty programs
Points-based or stamp-card-style loyalty programs built in. No third-party app needed, no extra friction at checkout, no separate SaaS subscription.
How retail stores actually use Reyna Pay.
Single-location specialty boutique
Walk-in retail, inventory tracking, loyalty program, gift cards. Card-on-file for repeat customers means faster checkout.
Multi-location retail group
Three to fifty stores under one brand. Per-location separate MIDs. Multi-location gift cards. Roll-up reporting at the group level.
Specialty retail with consignment
Track consignment items separately from owned inventory. Vendor revenue splits handled automatically with reporting per consignor.
Retail plus services
Retail products plus appointment-based services (e.g., specialty bike shop with repair, art gallery with framing). Both tracked separately for margin analysis.
Pop-up and seasonal retail
Mobile or seasonal retail operations. Offline capability for events with spotty WiFi. Per-event reporting.
Retail franchise
Franchisor royalty calculations. Per-location separate MIDs. Roll-up reporting at the franchisor level.
“We were paying 3.4% effective rate on Square. Switched to Reyna Pay and we're at 2.5% all-in. That's $4,800 a year recovered, and the inventory tracking across our two stores actually works now.”
For retail stores, we recommend Reyna Pay Platform.
PCI-compliant, card-network-certified processing platform. Powers SalonTransact, KasseApp, RunMySalon, and our partner network.
Learn more about Reyna Pay PlatformCommon questions for retail stores.
Likely yes if you're processing $30K+/month. Interchange-plus pricing typically saves 0.3-0.6% on retail card mixes vs. Square's flat 2.6% + $0.10. On $400K/year in volume, that's $1,200-$2,400/year recovered.
Each location has its own inventory but the SKU catalog is shared. Transfer inventory between locations through the dashboard; sales decrement the correct location's stock. End-of-day variance reports surface counting errors.
Yes. Multiple gift card SKUs supported (different denominations, branded variants). All redeemable at any location in your group. Outstanding balance liability flows to your accounting reports correctly.
Yes. Consignment items track separately from owned inventory. Vendor revenue splits configured per consignor. Reports show what each consignor is owed at any point in time.
Direct integrations with major e-commerce platforms. Inventory syncs across in-store and online so you don't oversell.
Yes. Built-in loyalty supports stamp cards, points, and member-only pricing. Customer's loyalty status pulls up automatically when they pay with their card-on-file.
Solutions that power this industry.
Other verticals we serve.
Ready to upgrade your retail stores payment processing?
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